ICBC's Zhufu card should be a quasi-credit card, and it is also a kind of credit card in theory. Cardholders need to deposit before spending. If the balance in the card is not enough, you can overdraw within the credit line given by ICBC. However, the overdraft limit of your card is very low, and it is basically impossible to overdraw. Moreover, this card has no gold card but only an ordinary card (the maximum limit is only 5,000 yuan).

This credit card is just a card launched by ICBC in the Year of the Pig. It is mainly for commemoration and collection, and its use is of little significance. You might as well reapply for a pure credit card to use. This is a real credit card. If this card is used for a long time, the credit limit will generally increase. Although the credit line of ICBC is generally much lower than that of other non-state-owned banks, ICBC will have more outlets and make repayment more convenient.